Bitsa Card vs Payy Card
The short answer
Winner: Bitsa Card — 7.1/10 versus 6/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
Bitsa Card
No KYC
Payy Card
KYC
Score
Annual fee
Free
Free
Monthly fee
Free
Free
Cashback
0%
0%
ATM fee
1%
Free
FX fee
2%
1%
Per transaction
$1.5k
Unlimited
Daily limit
$500
Unlimited
Monthly limit
$1k
Unlimited
KYC
No KYC
KYC
Card type
Debit
Debit
Custody
Custodial
Non-custodial
Conversion fee
3%
Free
ATM per transaction
Unlimited
Unlimited
Network
visa
visa
IBAN
✗
✗
Apple Pay
✗
✓
Google Pay
✗
✗
Countries
21
41
Coins
BTC, ETH
USDC, USDT
Bitsa Card vs Payy Card FAQ
On our composite score Bitsa Card edges ahead (7.1/10 vs 6/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.